topic Re: Walmart -- Advice? in Credit Card Applications

Walmart -- Advice?

jsully87 — Mon, 12 Jan 2015 15:57:50 GMT

So, I know I am supposed to be gardening for home purchase, but I know my credit file isn't as clean as DH -- and he will probably have to put the home in his name only -- doesn't bother me.

Anyways -- that being said -- I know I had been denied Amazon last month (Dec. 7) -- tried recon last night with no success -- I know they don't, but I still tried. I have had them before (I think?) It may have been exAU...I can't remember.

SO -- I tried Walmart - I have seen people starting out with small limits -- with similar scores.....

And got the 7-10 message with reference #.

Any chance I should call in case its not hard denial?

This is my last app...just in case I can get my reports clean in time for summer.

Re: Walmart -- Advice?

TRC_WA — Mon, 12 Jan 2015 16:18:47 GMT

Synchrony doesn't recon AFAIK.

Walmart was one of my original rebuild accounts in mid 2013... $600 SL and I got a $100 and $200 CLI over the course of a year... impressive right?

I closed the account last month when I got Sallie Mae...

I hear all the time about the 4 month CLIs with Synchrony but it didn't happen to me... I guess my scores were too high.

Re: Walmart -- Advice?

jsully87 — Mon, 12 Jan 2015 16:43:54 GMT

So do you think the 7-10 is instadenial? or as Synch calls it a "hard denial"?

When i called for Amazon, he said there was nothing he could do because it was a "hard denial".....almost thought I was getting recon for a minute when he put me on hold to "review my app"...

Just wondering if its worth the phone call or not, or if I should just wait for the letter....

Re: Walmart -- Advice?

Anonymous — Mon, 12 Jan 2015 17:18:10 GMT

It wouldn’t hurt to give them a call, all you know it could just be a verification issue. Someone’s personal opinion shouldn’t deter you, many have positive experiences some are negative. I’ve had my Walmart CC a year now; it went from 900 to 2000. I wish you the best of luck on your journey!

Re: Walmart -- Advice?

Creditaddict — Mon, 12 Jan 2015 17:19:35 GMT

If the reference number doesn't include a phone number to call it's an instant denial with sync.

Re: Walmart -- Advice?

jsully87 — Mon, 12 Jan 2015 19:02:45 GMT

@Creditaddict wrote:
If the reference number doesn't include a phone number to call it's an instant denial with sync.

Bummer -- I can't remember if it listed a phone number or not, but I did make note of the ref. number.

I know it is probably a denial. I am sure I am on the GE blacklist from years ago....but I have no way of knowing.

I know my scores arent the best and I currently have a few baddies....I was just hoping I could get in...

Oh well. Guess I will wait to see what the letter says

Re: Walmart -- Advice?

Anonymous — Mon, 12 Jan 2015 19:05:30 GMT

@jsully87 wrote:
So, I know I am supposed to be gardening for home purchase, but I know my credit file isn't as clean as DH -- and he will probably have to put the home in his name only -- doesn't bother me.

Anyways -- that being said -- I know I had been denied Amazon last month (Dec. 7) -- tried recon last night with no success -- I know they don't, but I still tried. I have had them before (I think?) It may have been exAU...I can't remember.

SO -- I tried Walmart - I have seen people starting out with small limits -- with similar scores.....

And got the 7-10 message with reference #.

Any chance I should call in case its not hard denial?

This is my last app...just in case I can get my reports clean in time for summer.

Hang in there.. There is some love coming your way soon. Sorry about the denial.

Re: Walmart -- Advice?

TRC_WA — Mon, 12 Jan 2015 19:13:51 GMT

IMHO you need to garden what you have.

No apps for a minimum of 6 months... preferably a year. It's not that difficult if you are motivated to improve your credit. You have enough credit to rebuild your scores... so garden what you have and try again in 2016.

Re: Walmart -- Advice?

jsully87 — Mon, 12 Jan 2015 19:17:29 GMT

That's the plan.

I just figured I would try and see. But I am done now.

I know there is nothing out there right now for me I can get my hands on -- so that is just more motivation for me to get to where I need to be so I CAN get approvals.

Hopefully having AU on DH accounts will help as well.

Here's to at least 6 months of reading -- and wishing! lol

Re: Walmart -- Advice?

Anonymous — Mon, 12 Jan 2015 19:20:20 GMT

@jsully87 wrote:
That's the plan.

I just figured I would try and see. But I am done now.

I know there is nothing out there right now for me I can get my hands on -- so that is just more motivation for me to get to where I need to be so I CAN get approvals.

Hopefully having AU on DH accounts will help as well.

Here's to at least 6 months of reading -- and wishing! lol

Thats a good plan. It can be very depressing getting into all these snags. But gardening is key in the credit game. A time will come and you will laugh at all these rejections and even ask yourself, what was i thinking. That time comes for everyone. It just takes time.

Re: Walmart -- Advice?

TRC_WA — Mon, 12 Jan 2015 19:31:55 GMT

@Anonymous wrote:

Thats a good plan. It can be very depressing getting into all these snags. But gardening is key in the credit game. A time will come and you will laugh at all these rejections and even ask yourself, what was i thinking. That time comes for everyone. It just takes time.

Yep... for me that time was about 2 weeks ago when I went 6 for 6 with 4 new accounts and 2 CLI's totalling about $20k in new credit... doubling my previous total.

This was after multiple denials in late 2013 which had me gardening for 2014.

I have 23 INQ's on TU... 3 from 2014 that were all approvals.

20 from 2013. 12 of which were denials.

Barclays approved me for Sallie Mae with all those INQ's... but only 2 were recent.

So yeah... gardening is required.

Re: Walmart -- Advice?

Anonymous — Mon, 12 Jan 2015 19:34:00 GMT

@TRC_WA wrote:
@Anonymous wrote:

Thats a good plan. It can be very depressing getting into all these snags. But gardening is key in the credit game. A time will come and you will laugh at all these rejections and even ask yourself, what was i thinking. That time comes for everyone. It just takes time.
Yep... for me that time was about 2 weeks ago when I went 6 for 6 with 4 new accounts and 2 CLI's totalling about $20k in new credit... doubling my previous total.

This was after multiple denials in late 2013 which had me gardening for 2014.

I have 23 INQ's on TU... 3 from 2014 that were all approvals.

20 from 2013. 12 of which were denials.

So yeah... gardening is required.

@TRC_WA,

Bravo and congrats. We all started small. But the key is being very very strategic when scores are higher. Waiting for scores to get higher = approvals and higher limits. At that time, rejection is a thing of the past.

Re: Walmart -- Advice?

TRC_WA — Mon, 12 Jan 2015 19:41:53 GMT

@Anonymous wrote:

@TRC_WA,

Bravo and congrats. We all started small. But the key is being very very strategic when scores are higher. Waiting for scores to get higher = approvals and higher limits. At that time, rejection is a thing of the past.

Yep... I lurked these forums a few months prior to joining. I've learned a lot and try to pass on the advice.

The plan for 2015 is the same as 2014... garden for the year and evaluate my profile in December. No plans for credit this year other than possibly a vehicle trade which will be 1 INQ with my CU.

Re: Walmart -- Advice?

xautodetail — Tue, 13 Jan 2015 01:21:39 GMT

well i have the same pain i app and denial i have email this morning and the score in the latter is 407 and is come from TU score. i call and after 30 mint i talk the account manager this is what he tool me the used different credit scores is 300-620 not the same TU is have so i know my score on TU is 664 and here is 600 is bad by not the words

Re: Walmart -- Advice?

jsully87 — Tue, 13 Jan 2015 02:34:06 GMT

@xautodetail wrote:
well i have the same pain i app and denial i have email this morning and the score in the latter is 407 and is come from TU score. i call and after 30 mint i talk the account manager this is what he tool me the used different credit scores is 300-620 not the same TU is have so i know my score on TU is 664 and here is 600 is bad by not the words

When did you app? I haven't gotten an email yet...

Re: Walmart -- Advice?

jsully87 — Tue, 13 Jan 2015 02:49:29 GMT

I just called them -- it was a denial.

Said he couldn't give me any info because of privacy. Said to wait for the letter.

Re: Walmart -- Advice?

TRC_WA — Tue, 13 Jan 2015 02:59:39 GMT

@TRC_WA wrote:
IMHO you need to garden what you have.

No apps for a minimum of 6 months... preferably a year. It's not that difficult if you are motivated to improve your credit. You have enough credit to rebuild your scores... so garden what you have and try again in 2016.

Re: Walmart -- Advice?

jsully87 — Fri, 16 Jan 2015 19:07:09 GMT

So......not to beat a dead horse or anything -- I was actually okay with a denial from Walmart.

But - today, I get an email -- stating they have a secure message for me.

I logged in, and there was the denial letter ---- but the reason was PRIOR APPLICATION SUBMITTED TOO RECENTLY.

-- UH....last I checked, last time I apped for Walmart was years ago...

I am wondering ----- I know they don't do recons, but should I call??

Re: Walmart -- Advice?

jsully87 — Mon, 19 Jan 2015 16:14:37 GMT

bump --- anyone?

Re: Walmart -- Advice?

kdm31091 — Mon, 19 Jan 2015 16:31:18 GMT

You can try, I've never heard of anyone succesfully reconning them though. Almost all people denied for Walmart remain denied. I'm not trying to discourage you just trying to save you from probably unnessecary hassle.

I would try again later. It sounds like there could be a glitch as far as recent application, but I don't know if it would be able to be reconned.